Tesla drivers in Australia using Full Self-Driving (Supervised) technology could now receive lower insurance premiums, following an Australian-first move by Zurich Insurance.
Zurich Australian Insurance announced on 14 September 2026 that it will include Tesla's Full Self-Driving (FSD) (Supervised) technology as a risk-rating factor when calculating premiums for eligible customers through its InsureMyTesla product. It is the first time an Australian insurer has incorporated the technology into its insurance pricing.
The change applies to eligible Australian Tesla owners with FSD (Supervised) technology. Zurich says customers using the technology will be assessed as lower-risk policyholders, although the insurer has not published a specific percentage discount. The FSD factor will sit alongside other standard insurance considerations, such as the driver's age, location and claims history.
Technology becomes an insurance factor
Zurich's decision reflects a developing connection between vehicle technology and insurance pricing. Rather than assessing a vehicle solely on traditional factors, insurers can increasingly consider technology that may influence driving behaviour and collision risk.
Zurich says its decision is supported by Tesla data indicating that vehicles using FSD (Supervised) experience seven times fewer major or minor collisions compared with regular EVs. That figure comes from Tesla's own data, rather than an independent study cited by Zurich.
Tesla's FSD (Supervised) system uses cameras around the vehicle to monitor its surroundings and can assist with steering, acceleration and braking. However, the system remains supervised, meaning the driver is still responsible for the vehicle and must remain attentive.
Growing use of FSD in Australia
The insurance change comes as adoption of Tesla's FSD technology has increased in Australia and New Zealand since its launch in October 2025.
Zurich says Australian Tesla customers have now travelled more than 132 million kilometres using the technology, while average daily use has increased more than five-fold since its introduction.
Zurich has been Tesla's preferred insurance provider in Australia since 2024. Its InsureMyTesla product already provides coverage for eligible Tesla vehicles, including repairs to areas such as glass and charging equipment through Tesla's accredited repair network.
The latest change could mark a broader shift in how EV insurance is calculated as advanced driver-assistance and automated driving technologies become more common. For Australian EV owners, it also highlights how the technology fitted to a vehicle - and how that technology affects risk - could increasingly become part of the cost of insurance.
Sources
- Zurich Australia: Zurich prices Full Self-Driving (Supervised) vehicle insurance in Australian first, 14 September 2026. Read the Zurich announcement
- The Driven: Australian insurer to recognise Tesla’s Full Self-Driving technology in calculating premiums, 14 September 2026. Read The Driven report
- Insurance Business Australia: Zurich ties cheaper Tesla premiums to FSD mode in Australian first, September 2026. Read Insurance Business Australia
